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The Holiday Season is well upon us. But if you live abroad you’ll need to get used to a whole different category of celebrations.

Take today, December 6. For many of us it may be another dreary Monday at work. But not everywhere …

Santa Claus is Coming to Town

December 6 is a special festival for children in many European countries, as well as some American cities – for it marks Saint Nicholas Day.

In the Netherlands in particular, Saint Nicholas’ Eve is the equivalent of Christmas Eve, when Sinterklaas (the original Santa Claus) brings gifts for all the good boys and girls. Similarly, in Germany children traditionally put a boot out for St Nicholas to fill with small presents and sweets.

Advent of Democracy

December 6 is a special holiday in Spain too, albeit for different reasons. This is Constitution Day, marking the Spanish public’s vote in 1978 to approve the Constitution of Spain, and thus the country’s formal transition to a democratic state.

As a citizen of the UK, with its long democratic history, it is easy to forget how recent the establishment of such political rights was in Spain. If I was a Spaniard, however, I would have been born in a dictatorship.

In the developed world it is easy to see democracy as a right, one we take for granted. But days like today remind me how blessed we are.

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I have just started reading Andre Agassi’s autobiography, Open.

The book starts with Agassi playing his last tournament before retiring, the 2006 US Open.

He is in New York with his wife, tennis superstar Steffi Graf, and their two young children. For the duration of the tournament the family stay in a suite at the Four Seasons hotel in Manhattan. A “lovely suite,” he says, yet it remains another of those places that are what he terms “Not Home.”

Rather, home is Las Vegas. For all the evident pain of his childhood, the constant pushing of his father and resulting hatred of his profession, Agassi remains wedded to the city where he was born and raised.

Relocating for love

As a result, it is Germany’s Steffi Graf who has made the move abroad.

Like any relationship where the partners hail from different countries, one or other has to give up their homeland. For some that may be a welcome move. For others, a painful sacrifice. Yet if they are to survive as a unit there is no other option.

I’m no trained relationship counsellor, so I’m not trying to be an Agony Uncle on this. But over the years I have seen a lot of couples wrestle with this location issue, with varying degrees of success. Some have continued happy and strong. Others, unfortunately, have not.

So what lessons can these sporting idols offer?

1)      Knowing the lingo

Graf has perfect English, which is a huge benefit.

Knowing or learning the local language is crucial when moving abroad. But it is even more important when moving to a partner’s country. Seeing as they will be jabbering away with extended family and friends in that tongue, you must be able to join in if you don’t want to get isolated socially.

2)      Partner’s understanding

The home country native also has responsibilities, not least to ensure they include their partner.

That means taking them places, introducing them to friends, giving them the freedom and opportunity to make their own social circle and interact with it, supporting them through any bouts of loneliness and homesickness. Understanding and support will be critical to prevent/repair any divisions.

3)      Affirm the decision

Why did Agassi and Graf settle in Las Vegas, rather than Germany or somewhere else?

 

Both partners need to be clear about why they have picked that particular location, rather than another.

 

You need to decide why, on balance, your choice of town/country offers the best quality of life for all concerned. Why does it have to be that person’s home, rather than the other way round?

If you aren’t both in agreement on this point, resentment and subsequent rupture can easily result.

4)      Love-all

It’s a book, so there is always potential for the writer to put a gloss on things. Nevertheless, what comes through in Agassi’s autobiography is evidence of a couple that adore each other.

Staying together in a long-term relationship is hard enough as it is. Trying to do it as an expat is next to impossible unless there are strong bonds of love, respect and friendship.

Ultimately, it is the love you have for each other that will keep you focused on what matters most, and get you through the inevitable difficulties arise.

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Do animals get grumpy?

Are there certain days when your cat or dog is more irritable than others? Do creatures in the wild go through mood swings? Or is it just humans?

I ask because I read this week about Cathal Morrow, an author living in Madrid. Back in June he embarked on a quest to live for a year without unhappiness, in an attempt to prove happiness is merely a state of mind.

 

As he writes on his blog, http://imhappyandiknowit.com/:

“What I’m attempting to live is my belief that happiness is entirely independent of the highs and lows of my little life, that it’s far bigger than me. That happiness is a permanent state for us all, if only we allow it to be.”

Being happy. We’re all looking for it, aren’t we?

Yet that appears to be the root of the problem. We’re searching for it, as if happiness is a destination that will be reached once we’ve got X, Y and Z in place.

Thanksgiving

It’s an important issue, brought into focus by this week’s Thanksgiving celebrations in the United States.

While it began as a festival giving thanks for the year’s harvest, Thanksgiving has since developed into a more general expression of gratitude.

And therein lies Mr Morrow’s secret to happiness – a determination to see the everyday brightness in life and be happy for it.

Seeking a better life

Which brings me to moving abroad.

Why is it so many people around the world – including millions of citizens in some of the most prosperous countries on the planet – want to relocate elsewhere?

For most people the interest is spurred by a desire to find a “better life,” whatever their definition may be.

Many are stirred by the potential benefits they hope to find by relocating – better weather, more leisure opportunities, lower living costs, attractive employment openings. Others see moving abroad as an escape from the unfulfilled lives they are living in their current location.

Finding Happiness

However, this desire for movement is not necessarily the path to happiness.

Yes, moving abroad can lead to a healthier, happier, richer life. But switching one country for another won’t by itself be enough. Ultimately it is an internal shift, rather than the external one, that leads to happiness and fulfilment.

Hence the importance of gratitude.

Rather than think about the things that are wrong with our lives, we should devote more attention to the things that are right.

It could be your health, or the health of your partner or children, the love of family, laughter with friends, the joy of a sunrise or waves on the beach, thanks for the food you have to eat.

Which isn’t to say you shouldn’t want to improve your current situation. It is human nature, one of the driving forces of evolution. But by stopping to give conscious thanks for those daily blessings we too often take for granted, the chances are you will be a happier person, wherever in the world you happen to find yourself.

Who could ask for a better life than that?

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The United States is one of the most popular countries in the world for businesses and families to immigrate to. With a diverse array of cultures and companies throughout the large nation, the opportunities for immigrants are virtually endless.

However, because of the strict requirements for people immigrating to the U.S., it is important to know the processes to ensure you get the right visas and documentation for a visit or smooth transition to life as an American citizen or permanent resident.

There are several ways to immigrate to the U.S. depending on the needs of your business, family, or yourself. You can choose from a work or student US visa for a temporary stay, apply for a green card if you have a spouse or relatives who are U.S. citizens, or apply for citizenship if you plan to make a permanent move to the U.S.

A green card affords permanent U.S. residency. People who hold a green card are permanently approved to work within the U.S. despite not having citizenship.

After a certain number of years people with a green card may apply for citizenship if they choose. However, it is not required – something especially important for people to know when there is any possibility of moving back to their home country.

Naturalization, or the process of obtaining American citizenship, is another option, although it applies to those who plan to make their move to the U.S. permanent. After five years of residence in the U.S., green card holders can apply for citizenship. The test required for nationalization measures knowledge of U.S. civics, as well as English language proficiency.

Overall, U.S. immigration laws change rather frequently, so it is vital to know the current regulations in advance, whether you choose to get a USA visa for work, a student visa, or you want to apply for citizenship.

This article was provided by Global Visas, the leading immigration experts for private and corporate clients locally and worldwide. 

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A new report published by the City of London Corporation[1] suggests the lack of tax predictability in the UK is now “out of control,” and is threatening the country’s position as a leading global financial centre.

The report polled members of the banking, insurance, asset management, hedge fund and private equity communities on six factors: predictability, overall tax burden, attitude of tax authorities, network of tax treaties, complexity and cost of compliance.

Every respondent gave the UK a poor rating on predictability. It is the area where the UK fared worst compared to other countries, but which the report says is the most important factor in judging competitiveness.

The authors said surprise changes such as the introduction of the bank payroll tax and bank levy, and the increase to 50% in the top rate of income tax were creating uncertainty and changing the financial services industry’s perception of the UK. In addition, the new rates and measures meant “the UK is now seen as a high tax jurisdiction not dissimilar to continental countries.”

However, despite fears that changes to the UK’s regime would lead to an exodus of financial institutions and people to more favourable tax jurisdictions, such as Switzerland, Singapore and Hong Kong, that has not materialised in practice, at least thus far. Instead, for the time being London remains a key financial hub, attracting international investment, as well as expatriate and domestic workers.

Holding on to its position in the world as an attractive place to live and do business is the UK’s challenge going forwards. Relying on its weather as a source of appeal certainly won’t do the job!


[1] Taxation of the Financial Services Sector in the UK: Predictability and Competitiveness, prepared by Charles River Associates for the City of London Corporation, October 2010, http://217.154.230.218/NR/rdonlyres/E3CEF4F7-479B-46B4-AB93-29DF5F673B53/0/TaxationofFinancialServices.pdf

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We’ve long suspected it, and now it appears to be true – the French, those lucky blighters, have the best quality of life in Europe.

Or, at least, so says a new study by consumer comparison service uSwitch.com[1].

Its research examined 16 quality of life factors – such as net income, food and fuel costs, life expectancy and working conditions – across 10 European countries to see how they stacked up.

France emerged with the best overall score, followed by Spain. The UK came ninth, with Ireland propping up the bottom of the table.

The reason for the UK’s poor score, said uSwitch, included its high living costs, below average government spending on health and education, shortage of holiday entitlements, high retirement age and lack of sunshine.

France, by contrast, was found to have the lowest retirement age, the longest life expectancy and the highest healthcare spend.

Meanwhile, Spain benefited from low living costs (especially for alcohol and cigarettes!), the highest number of holidays (at 43 days per year) and most sunshine hours.

The firm went on to note that three in ten people in the UK believe now is a good time to emigrate[2]. Given the low quality of life it seems they can expect to enjoy, is it any wonder?

The Full Picture

Yet before everyone starts packing their bags for France and Spain, it is important to remember that while such surveys make for attention-grabbing headlines, they don’t show the full picture.

For instance, the uSwitch report gives no consideration to the countries’ current or expected economic growth rates. Or what about the 20% unemployment rate afflicting Spain?

It gives no weighting either to the burdensome red tape that is so often cited as a feature of life in France and Italy.

The percentage of GDP spent on health is a blunt tool too by which to measure and compare the efficacy of countries’ systems. The United States, for one, spends a considerably higher percentage of its GDP on health, yet millions of its citizens remain without adequate, or indeed any, health cover.

The uSwitch survey also takes it as given that the greater the hours of sunshine the better. Yet the impressive sunshine quota seen in southern Europe – as well as places such as California and parts of Australia – bring with it high summer temperatures that frequently provoke raging forest fires, water shortages, pest infestations and crop failures.

In addition, the summer heat may force residents, especially the elderly, to spend weeks of the year trapped indoors, and can even lead to spiking death rates (as seen in Europe during the 2003 heatwave).

In short, these types of reports and surveys – a plethora of which are produced around the world each year – can give some helpful indication of the life you can expect to find when moving abroad. But to get a real picture, don’t forget to consider all the elements, the pros and the cons, and what they mean specifically to you.


[1] UK and Ireland Trailing the Rest of Europe for Quality of Life, uSwitch.com, 22 September 2010, http://www.uswitch.com/press-room/press-releases/uk-and-ireland-trailing-the-rest-of-europe-for-quality-of-life-1769.pdf.

[2] uSwitch.com Consumer Opinion Panel, May 2010, amongst a sample of 3,640 adults.

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There was a documentary on British TV last week called Living with Brucie[1].

For anyone who hasn’t heard of him, Bruce Forsyth is a showbiz legend in the UK, a mainstay on Saturday prime time TV for the last 40-odd years.

And for the last 27 of those, Bruce has been married to Wilnelia, a Puerto Rican former Miss World who is 30 years his junior.

For me, what was interesting was the story of two people from different countries and cultures coming together to forge a life, and what it takes to make it a success.

Despite her fame on the Caribbean island, and the family and friends she has there, it is Winnie who has given up her homeland to be with her husband. OK, so she now lives in a mansion on the Wentworth golf estate in Surrey, with all the trappings that come from being married to a multimillionaire entertainer. But still, it must be a sacrifice.

Expat love

And it is a common tale. A survey earlier this year by health insurer Bupa International and expat web resource Expatica found one in five respondents had moved abroad for love[2]. It was a bigger reason for relocating than lifestyle choice (cited by 8% of expats), retirement (4%), weather and culture (1% each). 

There is a suggestion it may be a growing trend as well. According to the survey, only 14% of expats who moved abroad 10 years ago did it for love, whereas the figure was 22% for those who relocated in the last five years.

 

In these situations, one member of the couple will always have to be away from home and all it embodies: family and friends, familiar landscapes, its customs and culture.

Homesickness may strike, but – short of breaking up the family – one person will have to live with the consequences.

So how do you cope?

If anyone has any personal experiences from moving abroad for love, or tips and strategies on how to make it work I’d love to hear them.


[1] Living with Brucie, Channel 4, http://www.channel4.com/programmes/living-with-brucie

[2] One in five expats moves abroad for love, expatica.com, 11 February 2010, http://www.expatica.com/be/news/community_focus/One-in-five-expats-moves-abroad-for-love.html

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